Home Improvement Loans

Don't let that harsh winter weather beat down your door...or your roof, or anything else on your house! Repair or upgrade your home with financing from Spirit of Alaska. Consult with one of our loan experts to get the best deal for your situation.

Title 1 and mini-construction loans available, see additional tabs above for more information

How to Apply

Contact our Mortgage Loan Department:

Apply for your loan online! Click the Apply Now button above. We will contact you after processing your application.

If you have more questions or special circumstances, give us a call to make an appointment with a loan officer and we can go over your options with you in a quick 45 min. appointment.

CONTACT INFO

Phone: 907-459-5974

Fax: 907-459-5980

Email: homeloans@spiritofak.com

Title One

Enjoy the Benefits of Energy Efficient Home Improvements!

Apply today for a Housing and Urban Development (HUD) Title 1 Home Improvement Loan to improve the energy efficiency, livability, or utility of your home.

If you have home improvements you'd like to make or are simply worried about your utility bills and can't afford the needed improvements, this loan may be for you! Even if you already have a second mortgage, you may be approved.

Eligible Home Improvements:

Many more home improvements that improve the energy efficiency, livability, or utility of a property

How to Apply

Contact our Mortgage Loan Department:

Apply for your loan online! Click the Apply Now button above. We will contact you after processing your application.

If you have more questions or special circumstances, give us a call to make an appointment with a loan officer and we can go over your options with you in a quick 45 min. appointment.

CONTACT INFO

Phone: 907-459-5974

Fax: 907-459-5980

Email: homeloans@spiritofak.com

Mini-Construction Loan

Buying a fixer-upper? Ready to remodel your existing home?

Spirit of Alaska FCU can help you make it the home of your dreams! We welcome owners who desire to do their own renovations, as well as those who hire a contracting company to take on the project.

We will work with you to:

Purchase a foreclosure or non-conforming home

Do major renovations to an existing home

Borrow funds to complete a partially finished home.

Our Mortgage Department offers:

Competitive interest rates

Local approval and servicing

Quick decisions

Experienced loan officers

Personalized service

We'll be there very step of the way; and then help with long term financing when your home is complete.

Contact our Mortgage Loan Department:

Apply for your loan online! Click the Apply Now button above. We will contact you after processing your application.

If you have more questions or special circumstances, give us a call to make an appointment with a loan officer and we can go over your options with you in a quick 45 min. appointment.

CONTACT INFO

Phone: 907-459-5974

Fax: 907-459-5980

Email: homeloans@spiritofak.com

NOTE: Since there are extensive regulations on financing for new construction, always check with one of our loan professionals before starting any construction project.

Documentation

Our Mortgage Loan officers simplify the home loan process; we will be requesting information from you as we work with you to find the best loan product for your situation. The items below are a good start towards financing your new home:

2 years tax returns with W2's. (2 years if you are a first-time homebuyer).